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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $215,202 | $117,846+82.6% | $102,434+110.1% | $145,884+47.5% |
| Participation rate | 86.4% | 78.6%+7.7pp | 76.5%+9.9pp | 80.3%+6.1pp |
| Annual return | 11.87% | 31.90%-20.0pp | 29.46%-17.6pp | 551.85%-540.0pp |
| Employer contribution / active EE | $4,899 | $3,615+35.5% | $3,023+62.1% | $4,662+5.1% |
| Participant deferral / active EE | $6,787 | $5,733+18.4% | $5,055+34.3% | $6,690+1.5% |
| Admin fee / account holder | $1,872 | $13,356-86.0% | $9,462-80.2% | $13,392-86.0% |